Wow, you do have a tiny one...my vet said if you spay before their first cycle, it cut's down the risk of cancer tremendously. I can definitely see your predicament, because that would absolutely terrify me as well. However, I'm not sure if at 11 months, she's gonna get too much bigger. I could be wrong though. If i were you, I would do some serious research on vets and ask questions. Make sure the vet has done a lot of small animals, and ask the smallest they've done. I could be wrong about this too, but I heard that it's better to go to a vet, than a humane society, because they take a lot more precautions at a vet (of course it costs more money though)...but with such a little one, I would want to take all precautions necessary.
I'm surprised she hasn't had her first heat yet at 11 months, but they're all different I guess. Just do your research, and talk to as many vets as possible, and base your decision from there. That's what I would do if I were you....good luck! That's such a hard decision for you